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					SUBCHAPTER 4.            BACCARAT – CHEMIN DE FER
19:47-4.1        Cards: number of decks; value; point count of hand
19:47-4.2        (Reserved.)
19:47-4.3        Opening of table for gaming
19:47-4.4        Shuffle and cut of the cards
19:47-4.5        Dealing shoe; selection of banker
19:47-4.6        Wagers placed by banker
19:47-4.7        Wagers made against banker
19:47-4.8        Hands of player and banker; persons controlling each hand;
                 procedure for dealing initial two cards to each hand
19:47-4.9        Procedure for dealing of additional cards
19:47-4.10 Announcement of result of round; payment and collection of
                 wagers; payout odds; vigorish
19:47-4.11 Continuation of banker as such; selection of new banker
19:47-4.12 Irregularities




19:47-4.1 Cards: number of decks; value; point count of hand
      (a) Baccarat-Chemin de Fer shall be played with at least six decks of
cards having backs of the same color and design and two additional cutting
cards. The cutting cards shall be opaque and in a solid color readily
distinguishable from the color of the backs and edges of the playing cards, as
approved by the Commission.
      (b) The value of the cards in each deck shall be as follows:
            1.      Any card from 2 to 9 shall have its face value;
            2.      Any Ten, Jack, Queen or King shall have a value of zero;
            3.      Any Ace shall have a value of one.
      (c) The "Point Count" of a hand shall be a single digit number from 0 to 9
inclusive and shall be determined by totalling the value of the cards in the
hand. If the total of the cards in a hand is a two-digit number, the left digit of
such number shall be discarded having no value and the right digit shall
constitute the Point Count of the hand. Examples of this rule are as follows:
           1.   A hand composed of an ace, a 2 and a 4 has a Point Count of 7;
           2.   A hand composed of an ace, a 2 and a 9 has a total of 12 but
only a Point Count of 2 since the digit 1 in the number 12 is discarded.
      As amended, effective: 09/08/98




19:47-4.2 (Reserved.)
      Repealed, effective: 12/06/93




19:47-4.3 Opening of table for gaming
      (a) After receiving the six or more decks of cards at the table in
accordance with N.J.A.C. 19:46-1.18, the dealer calling the game shall, as
applicable, comply with the requirements of either N.J.A.C. 19:46-1.18(e)1 and
(b) through (c) below or the requirements of N.J.A.C. 19:46-1.18(e)2 and (r).
      (b) Following the inspection of the cards by the dealer and the
verification by the floorperson assigned to the table, the cards shall be spread
out face upwards on the table for visual inspection by the first participants to
arrive at the table. The cards shall be spread out in columns by deck
according to suit and in sequence. The cards in each suit shall be laid out in
sequence within the suit.
      (c) After the first participants are afforded an opportunity to visually
inspect the cards, the cards shall be turned face downward on the table, mixed
thoroughly by a "washing" or "chemmy shuffle" of the cards and stacked.
      As   amended,   effective:   03/31/80
      As   amended,   effective:   04/29/80
      As   amended,   effective:   05/20/85
      As   amended,   effective:   03/19/07
19:47-4.4 Shuffle and cut of the cards
         (a) Immediately prior to the commencement of play, unless the cards
were pre-shuffled pursuant to N.J.A.C. 19:46-1.18(r), and after each shoe of
cards is completed, the casino licensee shall require its dealers to perform, at
its option, either of the following procedures.
              1.    One or more of the dealers shall shuffle the cards so that they
are randomly intermixed. After the cards have been shuffled, a dealer shall
lace approximately one deck of cards so that they are evenly dispersed into the
remaining stack.
                   i. After lacing the cards, the casino licensee may, as an additional
option, require the dealer calling the game to shuffle some or all of the cards
again.
                    ii. A casino licensee shall not initiate or terminate the use of this
reshuffling option unless the casino licensee provides its surveillance
department and the Commission with at least 30 minutes prior written notice.
              2.    One or more of the dealers shall "wash" and stack the cards,
after which each of the three dealers shall shuffle the stack of cards
independently.
         (b) Any shuffling or lacing option chosen for use by a casino licensee
pursuant to (a) above shall be implemented at all tables within a pit.
         (c) After shuffling or lacing the cards and, where applicable, reshuffling
them, the dealer calling the game shall offer the stack of cards, with backs
facing away from the dealer, to the participants to be cut. The dealer shall
begin with the participant seated in the highest number position at the table
or, in the case of reshuffle the last curator and working clockwise around the
table, shall offer the stack to each participant until a participant accepts the
cut. If no participant accepts the cut, the dealer shall cut the cards.
         (d) The cards shall be cut by placing the cutting card in the stack at
least 10 cards in from either end.
      (e) Once the cutting card has been inserted into the stack, the dealer
shall take all cards in front of the cutting card and place them to the back of
the stack. The dealer shall then insert one cutting card in a position at least
14 cards in from the back of the stack and the second cutting card at the end
of the stack. The stack of cards shall then be inserted into the dealing shoe for
commencement of play. Prior to commencement of play, the dealer shall
remove the first card from the shoe and place it, and an additional amount of
cards equal to the amount on the first card drawn, in the discard bucket after
all cards have been shown to the players. Face cards and tens count as ten.
Aces count as one.
      (f) After the cards have been cut and before any cards have been dealt, a
casino supervisor may require the cards to be recut if he or she determines
that the cut was performed improperly or in any way that might affect the
integrity or fairness of the game. If a recut is required, the cards shall be recut,
at the casino licensee's option, by the player who last cut the cards, or by the
next person entitled to cut the cards, as determined by section (c) above.
      As   amended,   effective:   03/31/80
      As   amended,   effective:   04/29/80
      As   amended,   effective:   06/06/94
      As   amended,   effective:   08/07/95
      As   amended,   effective:   05/20/96
      As   amended,   effective:   10/07/96
      As   amended,   effective:   03/19/07



19:47-4.5 Dealing shoe; selection of banker
      (a) All cards used to game at Baccarat-Chemin de Fer shall be dealt from
a dealing shoe specifically designed for such purpose.
      (b) After the cards have been shuffled and placed in the shoe, the dealer
calling the game shall offer the shoe to the participants to be dealt. The
participant offering to wager the highest amount on the first hand shall become
the "Banker" and shall be responsible for dealing the cards from the shoe in
accordance with these regulations and the instructions of the dealer calling the
game. If two or more participants offer to wager an equal amount on the first
hand, the participant making such wager that is closest to the dealer moving
counterclockwise around the table shall become the "Banker."




19:47-4.6 Wagers placed by banker
         (a) Immediately prior to dealing the cards, the Banker shall place a
wager in support of the "Banker's Hand" which shall conform to the
requirements of subsection (b) of this section. The wager placed by the Banker
shall:
             1.   Win if the "Banker's Hand" has a Point Count higher than that
of the "Player's Hand";
             2.   Lose if the "Banker's Hand" has a Point Count lower than that
of the "Player's Hand";
             3.   Be void if the Point Counts of the "Banker's Hand" and the
"Player's Hand" are equal.
         (b) The wager placed by the Banker immediately after accepting the shoe
shall not be less than the amount such participant offered in bidding to
become the Banker. The amount of all subsequent wagers placed by the
Banker as such shall be at least equal to, but no more than twice, the amount
of his immediately preceding wager. An example of this rule is as follows: if
Participant A becomes the Banker for a high bid of $1,000, he must place a
wager of at least $1,000 on the first hand dealt. If he continues as the Banker,
his wager on the second hand must be at least $1,000 but not more than
$2,000. Assuming he wagers $2,000 on the second hand, his wager on the
third hand (if he continues as the Banker) must be at least $2,000 but not
more than $4,000.
         (c) Any wager placed by the Banker in cash shall be exchanged
immediately by the dealer for gaming chips or plaques in accordance with the
regulations governing the acceptance and conversion of such instruments.
      As amended, effective: 3/31/80
      As amended, effective: 4/29/80



19:47-4.7 Wagers made against banker
      (a) After the Banker has placed a wager in support of the "Banker's
Hand", the remaining participants at the table shall be given the opportunity of
wagering against all or a part of the wager made by the Banker provided,
however, that such wagers shall not exceed, either individually or in the
aggregate, the amount wagered by the Banker.
      (b) Any participant who equaled and lost the immediately preceding
wager of the Banker shall have the first option of making a wager against the
Banker in an amount equal to the amount being wagered by the Banker. Said
participant shall exercise this option by announcing "Banco Suivi" or "Suivi"
and by placing the requisite wager on the appropriate area of the layout. A
"stand off" shall not be counted for the purpose of determining the immediately
preceding wager under this subsection.
      (c) If no qualified participant announces "Banco Suivi" or "Suivi", the
next preference shall be given to any participant placing a wager against the
Banker equal in amount to that wagered by the Banker. This option shall be
exercised by a participant announcing "Banco Seul" or "Banco" and by placing
the requisite wager on the appropriate area of the layout. Whenever more than
one participant announces "Banco Seul" or "Banco", preference shall be given
to the participant making such announcement who is seated nearest to the
Banker in a counterclockwise direction around the table.
      (d) If the options granted by subsections (b) and (c) of this section are
not exercised, each participant, beginning with one seated to the immediate
right of the Banker and moving counterclockwise around the table, shall have
the right to make a wager against a part of the wager made by the Banker.
Such wagers shall be accepted until the amount of the partial wagers, taken in
the aggregate, equals the amount of the wager made by the Banker or until, the
dealer announces "No More Bets."
      (e) No wager at Baccarat-Chemin de Fer shall be made, increased or
withdrawn after the dealer has announced "No More Bets" except that the
Banker shall withdraw any part of his initial wager that was not covered by the
wagers of the other participants.
      (f) Any wager placed by the participants in cash shall be exchanged
immediately by the dealer for gaming chips or plaques in accordance with the
regulations governing the acceptance and conversion of such instruments.
      (g) The wager(s) placed by the participants shall:
          1.   Win if the "Player's Hand" has a Point Count higher than that of
the "Bankers Hand";
          2.   Lose if the "Player's Hand" has a Point Count lower than that of
the "Banker's Hand";
          3.   Be void if the Point Counts of the "Banker's Hand" and the
"Player's Hand" are equal.
      As amended, effective: 3/31/80
      As amended, effective: 4/29/80



19:47-4.8 Hands of player and banker; persons controlling each hand;
           procedure for dealing initial two cards to each hand
      (a) There shall be two hands dealt in the game of Baccarat-Chemin de
Fer, one of which shall be denominated the "Player's Hand" and the other
denominated the "Banker's Hand."
      (b) The participant selected as the Banker shall have exclusive control of
the "Banker's Hand" and shall make all decisions permitted by these
regulations with respect to such hand.
      (c) Exclusive control of the "Player's Hand" and the right to make all
decisions permitted by these regulations with respect to such hand shall reside
in the participant who made a wager in accordance with subsections 7(b) or
7(c) of this subchapter. If no such wager has been made, this right shall reside
in the participant making the highest wager against the banker. If two or more
equally high wagers have been made, this right shall reside in the participant
making such wager that is nearest to the Banker moving counterclockwise
around the table. The participant possessing exclusive control of the "Player's
Hand" under this subsection shall hereinafter be referred to as the "Dominant
Player".
      (d) After the dealer announces "Cards," the Banker shall deal an initial
four cards from the shoe. The first and third card dealt shall be placed face
downwards in front of the Dominant Player and shall constitute the first and
second card of the "Player's Hand". The second and fourth card dealt shall be
placed face downward in front of the Banker and shall constitute the first and
second card of the "Banker's Hand."




19:47-4.9 Procedure for dealing of additional cards
      (a) After the initial four cards have been dealt, the Dominant Player shall
look at the two cards dealt to the "Player's Hand" without disclosing them to
the Banker. If the Point Count of the "Player's Hand" is:
           1.   A zero, one, two, three or four, the Dominant Player shall
request one additional card by announcing "Card";
           2.   A five, the Dominant Player shall exercise the option of
requesting one additional card by announcing "Card" or not requesting one
additional card by announcing "Stay";
           3.   A six or seven, the Dominant Player shall not draw an
additional card and shall announce "Stay";
           4.   An eight or nine, the Dominant Player shall announce "Natural"
and all cards in both hands shall be turned immediately face upwards with no
additional cards being dealt to either hand.
      (b) If the Dominant Player has announced "Card" in accordance with
subsection (a) of this section, an additional card shall not be dealt to the
"Player's Hand" until the Banker first looks at the two cards dealt to the
"Banker's Hand". If the Point Count of the "Banker's Hand" is 8 or 9, the
Banker shall announce "Natural" and all cards in both hands shall be turned
immediately face upwards with no additional cards being dealt to either hand.
If the Point Count of the "Banker's Hand" is less than 8, the Banker shall
announce "Under Eight" and shall deal a third card face upwards to the
"Player's Hand" in accordance with the request of the Dominant Player.
      (c) After the "Player's Hand" stays or receives a third card in accordance
with the above subsections, the Banker shall turn the cards in the "Banker's
Hand" face upwards on the table and shall deal or not deal a third card to the
"Banker's Hand" in accordance with the requirements of Table 3 of this
subsection.
                                      TABLE 3
                                 Value of Third Card
                               Drawn by Player's Hand
      If No
      3rd          0     1    2   3    4    5            6      7     8        9
      Card
0(Point Count of Banker's Hand
  After First Two Cards)
1                          BANKER'S HAND DRAWS
2
3     D            D     D    D   D    D    D            D      D     S        Op.
4     D            S     S    D   D    D    D            D      D     S        S
5     D            S     S    S   S    Op. D             D      D     S        S
6     S            S     S    S   S    S    S            D      D     S        S
7
8                          BANKER'S HAND STAYS
9

      (d) The first vertical column in Table 3 labeled "Point Count of Banker's
Hand" shall refer to the Point Count of the "Banker's Hand" after the first two
cards have been dealt to it.
      (e) The first horizontal column at the top of Table 3 labeled "Third Card
Drawn by Player's Hand" shall refer to the value of the third card drawn by the
"Player's Hand" as distinguished from the Point Count of the "Player's Hand."
      (f) As used in Table 3, the letter "D" shall mean that the "Banker's Hand"
must draw a third card, the letter "S" shall mean that the "Banker's Hand"
shall stay (i.e. not draw a third card) and the abbreviation "Op." shall mean
that the Banker may draw a third card or stay within his discretion.
      (g) The method of using Table 3 shall be to find the Point Count of the
"Banker's Hand" in the first vertical column and trace that horizontally across
the table until it intersects the third card drawn by the "Player's Hand". The
box at which such intersection takes place will show whether the "Banker's
Hand" shall draw a third card or stay. For example, if the Point Count of the
"Banker's Hand" after two cards is 3 and the value of the third card drawn by
the "Player's Hand" is 9, Table 3 shows that the Banker has the option of
drawing a third card or staying.
      (h) Any announcement required to be made by the Dominant Player or
Banker by this section shall be immediately repeated by the dealer at the table
to assure the clarity and understanding of such statements.




19:47-4.10 Announcement of result of round; payment and collection of
             wagers; payout odds; vigorish
      (a) After each hand has received all the cards it is entitled to by these
regulations, the dealer calling the game shall announce the Point Count of each
hand indicating which hand has won the round. If the two hands have equal
Point Counts, the dealer shall announce "Stand Off" or "Tie Hand".
      (b) After the result of the round is announced, the dealer or dealers
responsible for the wagers at the table shall collect and payoff the wagers
made. Winning wagers made against the "Banker's Hand" shall be paid off
from the amount wagered by the Banker at odds of 1 to 1. A winning wager
made by the Banker shall be paid off at odds of 1 to 1 from the amount(s)
wagered by the other participants.
      (c) As its fee in housing the game, the casino licensee shall extract a
commission known as "vigorish" from the amount won by the Banker on each
round of play, in an amount equal to, in the casino licensee's discretion, either
four or five percent of the amount won; provided, however, that when collecting
the vigorish, the casino licensee may round off the amount of a five percent
vigorish to 25 cents or the next highest multiple of 25 cents, and the amount of
a four percent vigorish to 20 cents or the next highest multiple of 20 cents.
Such vigorish shall be collected immediately after each round won by the
Banker.
      (d) Each casino licensee shall provide notice of any increase in the
percentage of vigorish being charged at each Baccarat-Chemin De Fer table, in
accordance with N.J.A.C. 19:47-8.3. The percentage of vigorish charged at a
Baccarat-Chemin De Fer table shall apply to all players at that table.
      As amended, effective: 12/16/91




19:47-4.11 Continuation of banker as such; selection of new banker
      (a) It shall be the option of the Banker, after any round of play, either to
pass the shoe or remain as Banker except that
             1.   The Banker shall pass the shoe whenever the "Banker's Hand"
loses, and
             2.   The dealer or floorman assigned to the table may order the
Banker to pass the shoe if the Banker unreasonably delays the game,
repeatedly makes invalid deals or violates either the Casino Control Act or the
regulations of the Commission.
      (b) Whenever a mandatory relinquishment of the Bank occurs, it shall be
offered to the seated participant to the right of the previous Banker and then to
each other seated participant, moving counterclockwise around the table, until
a participant accepts it and becomes the new Banker.
      (c) Whenever a voluntary relinquishment of the Bank occurs, each
seated participant shall be offered it, beginning with the participant to the right
of the previous Banker and moving counterclockwise around the table. The
first participant willing to accept the Bank and to wager an amount on the next
hand equal to, but not more than twice, the amount of the previous Banker's
last wager, shall become the next Banker. If no participant offers to meet this
condition, the participant offering to wager the highest amount on the next
hand shall become the new Banker provided however that the participant who
passed the Bank shall not be permitted to take part in the first round of such
bidding.
      (d) When a passed bank is defeated in any hand, it shall be transferred
as it would have been in accordance with subsection (b) had it not been
voluntarily passed.
      (e) A participant by moving to another seat at the table shall miss a turn
to become the Banker in the next seat where such a move would otherwise give
that participant promotion in turn to become the Banker.




19:47-4.12 Irregularities
      (a) If the Banker, by taking cards for his hand in the wrong order in the
Initial Deal, makes an error which cannot be rectified, the hand shall be
annulled and the Bank may be transferred counterclockwise to the next
participant seated at a numbered place.
      (b) If the Banker, during the Initial Deal, takes more than two cards for
his hand and the deal cannot be rectified, the Point Count of his hand shall be
regarded as zero and the play shall proceed in accordance with section 9 of this
subchapter.
      (c) If the Banker, during the Initial Deal, gives three cards to the
Dominant Player and it is not possible to determine which card has been dealt
in excess, the Point Count of the "Player's Hand" shall be the highest that can
be made with two or all three of the cards.
      (d) If the Banker, subsequent to the Initial Deal, takes two cards for his
hand instead of one and the deal cannot be rectified, the Point Count of his
hand shall be the lowest that can be made with two or the cards.
      (e) A card dealt face upwards to the Dominant Player after he or she has
said "Stay" shall become the Banker's card in the event the Banker is obliged to
draw or would have had the option of drawing a third card in accordance with
the rules of this subchapter. If the Banker is required to stay, the card dealt in
error shall be governed by the provisions of (h) below.
      (f) A card dealt face upwards to the Dominant Player after he or she has
said "Stay" and the dealer has mistakenly said "Card" shall become the
Banker's card only in the event the Banker is obligated to draw a third card
under the rules of this subchapter. If the Banker is required to stay or has the
option of drawing a third card, the card dealt in error shall be governed by the
provisions of (h) below.
      (g) There shall be no penalty for a card drawn in error from the shoe if it
remains undisclosed. A card so drawn shall be used as the first card of the
next hand providing that the cutting card has not been exposed in the shoe or
drawn therefrom. In the course of play, cards once drawn from the shoe shall
not be replaced. If a card drawn in error is disclosed at the time it is dealt, the
card shall be governed by the provisions of (h) below.
      (h) If a card dealt in error is disclosed and cannot be used by the
Dominant Player or the Banker pursuant to (e), (f) or (g) above, the dealer shall
perform the procedure in (h)1 through 3 below that has been pre-selected by
the casino licensee in its rules of the game submission.
           1.   The disclosed card and an additional number of cards equal to
the value of the disclosed card shall be drawn face upwards from the shoe and
placed in the discard bucket; provided, however, that if a ten, jack, queen or
king is disclosed in error, the disclosed card and either one or ten additional
cards, as pre-selected by the casino licensee, shall be drawn face upwards from
the shoe and placed in the discard bucket.
            2.   The disclosed card and one additional card drawn face
downwards from the shoe shall be placed in the discard bucket without
disclosing the additional card.
            3.   The disclosed card shall be used as the first card of a simulated
round of play in which no wagers shall be accepted, the cards shall be dealt in
accordance with the rules of this subchapter and the cards shall be discarded
upon completion of the dealing procedures.
      (i) If the Banker, subsequent to the initial deal, draws a card from the
shoe for his hand after the Dominant Player has said "Card" and the dealer has
repeated "Card," the Banker must give such card to the Dominant Player and
thereafter either draw or not draw a third card for his hand as may be required
by these regulations.
      (j) Any card found turned face upwards in the shoe shall not be used in
the game and shall be placed in the discard bucket, along with an additional
number of cards, drawn face upwards, equal to the value of the card found face
upwards in the shoe. The last hand of a shoe shall be void when a card of that
hand is found face upwards in the shoe.
      (k) If there are found to be insufficient cards in the shoe to complete a
hand when the cutting card is drawn, that hand shall be void.
      As   amended,   effective:   03/31/80
      As   amended,   effective:   04/29/80
      As   amended,   effective:   09/05/06
      As   amended,   effective:   07/21/08

				
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